Who Qualifies

The requirements, stated plainly

Everything that decides whether a file fits and what falls outside the program.

700+

Minimum credit

70%

Maximum LTV

$3M

Maximum loan

2

Occupancy types

Built for

Three situations in particular. More detail on the programs page.

Self-employed borrowers

Deductions leave a tax return that understates what they actually earn.

High-net-worth clients

Wealth held in investments and reserves rather than a monthly salary.

Eligible foreign nationals

Verifiable assets and real equity, but little or no US credit history.

Not covered

Stated plainly so nobody spends a week finding out.

Investment or rental property
Commercial, land, or construction
Credit profiles below 700
Loan-to-value above 70%
Loan amounts above $3,000,000
No documentable income and no assets

Some of these sit outside HomePort but within the wider range at AAA Capital Investment, Inc. It’s still worth a message.

The guidelines

What the program requires

These apply regardless of which qualification route a file takes.

Credit profile

700 minimum

Alternative income documentation is not an alternative to good credit.

Loan-to-value

70% maximum

The balance comes from your equity contribution, which is central to how asset-based qualification works.

Loan amount

Up to $3,000,000

Files above this ceiling fall outside guidelines, though other products may be available.

Occupancy

Primary or second home

A property you’ll occupy. Investment and rental property run through separate products.

Loan purpose

Purchase or rate/term refinance

Cash-out availability to be confirmed with a loan officer.

Income documentation

Minimal / nontraditional

Conventional two-year tax return qualification isn’t required, but assets, credit, and financial position are all verified.

Financial position

Demonstrable strength

Documented assets, reserves, or cash flow sufficient to establish that you can carry the loan.

Think you might fit?

Describe your situation and a licensed loan officer will confirm it properly usually within one business day. No application, no credit check, no obligation.